OSHC Family & Couple Price Calculator
Compare Overseas Student Health Cover premiums across all 5 providers — for single, couple and family cover. Select your visa duration and see the total cost side by side.
Cover type
Visa duration
Showing single cover for 12 months
| Provider | Monthly avg. | Total cost | Provider site |
|---|---|---|---|
| ahmCheapest | AUD 56/mo avg. | Visit ahm → | |
| Allianz CareCheapest | AUD 55/mo avg. | Visit Allianz Care → | |
| BupaCheapest | AUD 59/mo avg. | Visit Bupa → | |
| MedibankCheapest | AUD 60/mo avg. | Visit Medibank → | |
| nibCheapest | AUD 61/mo avg. | Visit nib → |
Prices in AUD from the providers' 2026 online quotes for their entry-level OSHC (Allianz Care OSHC Standard, Medibank OSHC Essentials, nib OSHC Core; Bupa couple and family quoted for NSW). 12-month prices and 24/36-month single prices are the insurers' quotes; 6-month prices and longer couple or family cover are estimates (12-month price ÷ 12 × months) — real multi-year quotes are slightly higher. Always confirm the final premium on the provider's website before you buy.
Frequently Asked Questions
Which OSHC provider is cheapest for couples?
Allianz Care is the cheapest for couples at AUD 5,351 for 12 months, followed by Bupa at AUD 5,527.50. All 5 providers quote couples cover online: Allianz Care AUD 5,351, Bupa AUD 5,527.50, Medibank AUD 6,031, nib AUD 6,402, ahm AUD 6,686 (Bupa: NSW quote).
Which OSHC provider is cheapest for families?
Allianz Care is the cheapest for families at AUD 9,515 for 12 months, followed by ahm at AUD 13,544. All 5 providers quote families cover online: Allianz Care AUD 9,515, ahm AUD 13,544, Bupa AUD 13,691.04, Medibank AUD 14,121, nib AUD 15,979 (Bupa: NSW quote).
Do partners and children need their own OSHC policy?
No. Partners (spouses or de-facto) and dependent children can all be added to a single couple or family OSHC policy. All covered people are listed on one certificate, which satisfies the Australian student visa requirement.
How is OSHC priced for longer visa durations?
OSHC is priced for your exact cover period, and the insurers' quotes for 24 or 36 months are slightly higher than 2× or 3× the 12-month price (for example ahm: AUD 672 for 12 months, AUD 1,365 for 24 and AUD 2,163 for 36). This calculator uses those quotes for single cover; couple, family and 6-month figures are estimates, so always get a quote for your visa dates.
Can I upgrade from single to family OSHC mid-visa?
Yes. You can upgrade your cover type at any time by contacting your provider. You will pay the pro-rated difference for the remaining period. There are no penalties for upgrading.
Compare all OSHC plans in detail
See hospital cover, specialist limits, waiting periods, and more — side by side.